Hello I am 35 years old and want to generate a corpus fund of 3~4 cr in 15 years. My current SIP is 30k a month in the following: KOTAK SMALL CAP FUND - GROWTH - 2500 QUANT FLEXI CAP FUND REGULAR PLAN - GROWTH- 2500 TATA LARGE AND MID CAP FUND REGULAR PLAN GROWTH - 2500 UTI MASTERSHARE UNIT SCHEME - GROWTH PLAN - 2500 ICICI PRUDENTIAL INNOVATION FUND REGULAR PLAN GROWTH - 10000 UTI NIFTY 50 EQUAL WEIGHT INDEX FUND - REGULAR PLAN - 5000 GROWTH BANDHAN EMERGING BUSINESSES FUND REGULAR PLAN-GROWTH -1250 ADITYA BIRLA SUN LIFE GENNEXT FUND-GROWTH - 1250 TATA SMALL CAP FUND REGULAR PLAN GROWTH - 1250 SBI SMALL CAP FUND REGULAR GROWTH - 1250

Ans: To create a corpus of 1 crs (present corpus 30 lakh) in 10 years present SIPs Investment are sufficient.

Please continue

Ans: Hi Good to see you are investing for a long time now but too many cooks spoil the party, same way you can exit Birla Frontline hdfc top 100 SBI bluechip funds and same for HSBC and dsp funds and and can add parag parikh flexi cap to your portfolio

Disclaimer me and my funds can have holdings in the suggested portfolio

Ans: It's commendable that you're focused on building a significant corpus in a relatively short period. However, aiming for a corpus of 5 crores in just 5 years is an ambitious goal and may require a carefully crafted strategy and potentially higher investments.

Here are some considerations:

Investment Amount: Given your current portfolio value of 50 lakhs and monthly SIP of 2.25 lakhs, you may need to increase your investment amount to achieve your target. Consider whether it's feasible to increase your SIP amount or allocate additional lump sum investments.
Risk and Return: With a relatively short investment horizon, it's crucial to strike a balance between risk and return. Evaluate the risk profile of your investments and ensure they align with your risk tolerance and goals.
Diversification: Review the diversification of your portfolio across different asset classes, sectors, and market capitalizations. Consider diversifying further if needed to reduce concentration risk.
Regular Review: Given the short time frame, regularly monitor the performance of your investments and adjust your strategy as needed. Be prepared to make tactical changes based on market conditions and evolving financial goals.
Professional Advice: Consider consulting with a certified financial planner or advisor who can provide personalized guidance based on your financial situation, goals, and risk profile.
Remember, achieving such a substantial corpus in a short period requires disciplined savings, prudent investing, and realistic expectations. While it's essential to aim high, it's also crucial to maintain a realistic perspective and adapt your strategy as needed along the way.

Ans: After reviewing your portfolio, we propose that you discontinue your SIPs in Thematic Funds. Thematic funds are highly risky in nature and it is difficult to predict which sector will perform when and where, and begin your SIPs with funds that have proven past records. We also recommend that you keep a mix of equity and hybrid funds in your portfolio to ensure stability and recommend investing in various categories of equities mutual funds, i.e Large Cap, Mid Cap, Small Cap, and Flexi Cap. Investment across category provide proper diversification.

As you will require around 4-5 Cr in 15 years, we recommend you to increase your SIPs on yearly basis and It is recommendable to increase your SIPs by 5-10% every year as income grows. You can also invest some amount in Bulk when it is available with you such as yearly bonus, monthly or quarterly incentives etc.

We suggest you to maintain the discipline with your investments.
As it is said, “Successful investing takes time, discipline and patience”.